How to Check Credit Card Application Status?

Credit card approval generally takes up to 7 business days. While applying for a credit card you might start exploring cashback offers, reward points, airport lounge access details and other discounts and perks. But to ensure you enjoy all of it, you have to go through an anticipation of the credit card application status. Questions like how to check your credit card application status or what to do if your application gets rejected naturally come up. If you’re looking for clear answers to all these questions, this guide will walk you through the entire process step by step.

Quick Summary

• You can check your credit card application status online on the official website of the bank/credit card company.
• Another way to follow up on a credit card application would be to call customer service.
• A credit card application may take 3-7 days for approval.
• Generally, the delay in credit card application processing is due to incomplete information, wrong documentation, low income or low credit score.

How to Check Credit Card Application Status?

Most banks offer multiple ways to monitor your credit card application, both online and offline. The following are the most popular ones.

Online

The most accessible and quickest option is the bank's official website or mobile app. In most cases, you will require:

• Application or reference number
• or identification number
• Mobile number or date of birth registered

When you are logged in, you immediately know whether your application has been approved, is under review, on hold or rejected.

Offline

When online tracking is unavailable, or if you prefer assistance from a bank representative, offline methods work just as well.

Through Customer Care

Dial the bank's customer care number and follow the IVR prompts, or contact an operator. Have your application details ready so they can assist you quickly.

Through a Visit to the Branch

You may also visit the closest branch of the bank that you applied to. Your ID proof or application number can be used by a bank executive to verify your status.

How Long Does It Take to Get a Credit Card Approved?

The credit card approval process will depend on the applicant's profile and the bank's policies. Instant approval can be applied in most cases, especially when you have an existing relationship with the bank or are applying for a pre-approved credit card. On average:

• Immediate to 24 hours of pre-approved offers
• 3-7 working days of normal applications
• A maximum of 14 days in case of other checks

Why Your Credit Card Approval May Take Long?

The application approval process may be slowed down by several factors, such as:

• Missing or misplaced application information
• Income or address check pending
• Low or no credit score
• Bank internal controls and many applications

In other cases, it happens due to the delay in submitting your documents to the bank.

Can you Speed Your Credit Card Application Approval?

You cannot have everything under control, but you can at least increase your chances of getting permission quicker:

• Share a completely filled application form after verifying every detail
• Post transparent and legitimate documents
• Use online applications instead of offline ones to speed up the process
• Be prompt in responding if the bank requires additional details

What are the Results to Expect from Credit Card Application Status?

You may normally see one of the following when you check your application status:

• Approved -Your card will be shipped shortly
• Review/In Process -Verification in progress
• On Hold- more documents or clarification required
• Rejected/Declined -No approval of application made

How to Increase Your Chances of Credit Card Approval?

The following tips can be useful in case you are planning to apply (or re-apply):

• Have an excellent credit rating (usually 700+)
• Make on-time payments on existing loans and credit card bills.
• Keep credit utilisation low.
• Use cards that are appropriate to your income and credit profile.
• Do not apply in a short time to obtain more than one card.

What to do if Your Credit Card Application is Denied?

The refusal is not the end of the world. Here’s what you can do:

• Request that the bank explain why they are being rejected
• Check your credit report, there might be some mistakes on your credit report.
• Fix your credit score and reapply.
• Think about the use of secured credit cards or cards with fewer eligibility requirements.
• Wait a few months, then submit a new application.

Conclusion

It does not have to be very tense to monitor the status of your credit card application. There are several online and offline options that allow us to stay up to date on the news. Regardless of whether your application is granted on the spot or requires several days, the knowledge of the process will allow you to plan more wisely and will prevent the need to mindlessly worry. And when things are not going your way, with a bit of patience and preparation, you will have a much better chance the next time.